"Chen Yu, you ...... What should we do with Shenzhou computer?"

Seeing that Chen Yu didn't look like a joke, Wu Haijun asked.

"This is also simple and can be incorporated into our Huanyu Computer, and at the same time, Shenzhou Computer can still maintain independent brand development. ”

This is Chen Yu's plan.

This scheme looks the same as the previous collaboration, but the truth is different.

In the past, the two parties invested in technology and cooperated with each other, but in fact, the two parties still maintained different operations.

Huanyu Technology sells Huanyu netbooks, and Shenzhou Company also sells Shenzhou computers.

Although the two parties are cooperating, they are actually two companies operating, and the profits of their respective brands are handed over to their respective companies.

But now, the two are going to be merged into one.

Shenzhou Computer can take the current valuation and merge into Huanyu Computer, and accept new shares of Huanyu Computer.

In this way, the whole company is no longer independent, but a completely new one.

Even Shenzhou Computer can still be sold, but it is just the operation of one of the company's brands.

Although Wu Haijun will attach importance to the development of Shenzhou computer, he will also attach importance to the development of the entire Huanyu computer.

So.

Chen Yu found a new computer leader, and he also did not let Wu Haijun lose the Shenzhou computer.

Of course, the reason makes sense, but the key thing is whether Wu Haijun is willing or not.

If it's an average professional manager, then of course you do.

But Wu Haijun is the founder of Shenzhou Computer, and he has also made a great reputation in the industry.

Of course, it doesn't matter if Chen Yu is called a brother, if it is merged into Huanyu Computer in the future, it will obviously be under Chen Yu.

"Chen Yu, I have to think about it. ”

Wu Haijun did not reply immediately.

In this regard, Chen Yu also feels normal.

If it were him, he wouldn't have been able to respond so quickly.

Just like his Huanyu Technology.

If anyone wanted to buy them, he wouldn't want to kill them.

"Okay...... Old Wu, this is something to think about. ”

Chen Yu did not immediately ask Wu Haijun for an answer.

Next, Chen Yu did not stop, and after leaving Shenzhou, he went to the headquarters of Minsheng Bank.

"Mr. Chen, you are a rare guest, you haven't come to sit with me since the last board of directors. ”

"I also want to come, but I've been too busy, so I took some time to chat with Mr. Liu. ”

"Chat...... Hehe, Mr. Chen, will you be so simple as chatting, nothing else?"

"Of course there is, but I want to see if your Minsheng Bank has taken our money away. ”

Chen Yu said jokingly.

After the payment was completed and the transfer business was launched, the capital accounts of Huanyu e-commerce were stored in Minsheng Bank.

Don't look at this as just a transfer business, but because of the user's habits, there will be a large amount of idle funds at the same time as the transfer.

Over and over again, under the deposits of thousands of users, Minsheng Bank has absorbed tens of billions of yuan.

This is equivalent to a sudden increase in deposits of tens of billions of yuan.

Moreover, this has not stopped, he is still expanding with the expansion of the scale of e-commerce.

"Mr. Chen, look at what you said, what do you Minsheng Bank, you also hold shares in Minsheng Bank, and you also sent directors into our Minsheng Bank, Minsheng Bank is also your business, even if we want to take it away, we don't have the guts. ”

"Besides, even if you are not a shareholder of Minsheng Bank, we dare not transfer users' funds at will. ”

Liu Yong counted Chen Yu and said that he was too worried about their Minsheng Bank.

"Hahaha, Mr. Liu, I'm joking. However, there is one thing I want to talk to Mr. Liu. ”

"What's the matter, you say. ”

"I want to ask, can we carry out loan business with Huanyu Technology?"

"Loan, Chen Yu, you Huanyu Technology is short of money again?"

"No, I mean, we lend money to somebody else. ”

"That's what you're talking about. ”

Liu Yonghao understood what Chen Yu meant: "I guess it's no show, you can't get a license." ”

According to the current policy, financial businesses and licenses will not be issued to private enterprises, nor will they be issued to private individuals.

As for Minsheng Bank, it is a complete exception.

Only after the next ten years and the policy is liberalized, can all kinds of private bank enterprises carry out credit business.

"What about cooperating with Minsheng Bank?"

"That's fine. ”

Minsheng Bank naturally has a loan business.

Huanyu Technology can't do it, but cooperating with Minsheng Bank can promote this part.

However, Liu Yonghao is a little strange: "You Huanyu Technology want to enter the financial field?"

"It's not. ”

"And who do you want to lend money to?"

"Lending to the average consumer. ”

"Ordinary consumers, individuals?"

"It's a person. ”

"This business ...... Can you elaborate on that?"

Liu Yonghao couldn't figure out what Chen Yu meant, and was ready to ask in detail.

Although he felt that the business was actually not very interesting.

"Let's put it this way. ”

Chen Yu explained: "We have a lot of electronic products in Huanyu Technology, such as mobile phones, pear series, computers, netbooks...... Some of these. But these hardware products are more expensive, and some consumers can't afford them, so I decided to provide them with loans for those who can't afford them for the time being, and let them pay in installments over a year or two years. ”

"Loan to buy a computer, buy a mobile phone?"

"Yes. ”

"Mr. Chen, your brain is too big. ”

Liu Yong was dumbfounded.

He has been in finance for so long, and he has never thought of such a business.

"Mr. Chen, how did you come up with this business?"

"I was forced by TSMC, Intel, and Samsung to do nothing. ”

"I've heard a few things about this. ”

Liu Yonghao nodded.

There is already news in the industry about this.

Although Liu Yonghao is not in the IT industry, he is also familiar with such news.

And through his analysis, he can be sure that Huanyu Technology is definitely under tremendous pressure.

This is also normal.

If it is any one, it will be enough to drink a pot if it is joined forces by these families.

Even, if it were not for the strong strength of Huanyu Technology, it would be possible for ordinary enterprises to close down on the spot.

Unexpectedly, at such a time of great pressure, Chen Yu actually thought of a way to provide loan business to ordinary consumers.

I have to say that this move is very good.

As long as such a business is launched, it will bring huge sales to a series of electronic products under Huanyu Technology.

However, after listening to Chen Yu's introduction, Liu Yonghao frowned again.

"Mr. Liu, is there a problem?"

"There are indeed problems, for example, the risk problem here, have you ever thought about what they use as collateral for ordinary consumer loans?"

"I don't have a mortgage, my model is a line of credit. ”

"Line of credit?"

Liu Yonghao naturally knows about this piece of credit.

But......

Basically, no bank dares to push this kind of business.

Even if there are some who dare to push, they are not just credit loans, they have to add a guarantor on top of the credit loan. If you don't have a guarantor, then you take a fixed asset as collateral. But even then, there are a lot of risks associated with collateral alone, and banks prefer to have a low mortgage.

In fact, this is the same as what Mr. Ma said in the previous life, the bank's thinking in the past 1,000 years is completely pawnshop thinking.

You only have to put something in the bank as collateral for them to give you a loan.

If not, then sorry, the bank won't lend you.

It's like buying a house for a mortgage.

Buying a home may seem like a line of credit, but it's not at all. Although you can live in the house you bought, if you don't pay off the loan completely, your house doesn't belong to you completely, in fact, it is still mortgaged in the bank. If you don't have the money to pay off the mortgage, the bank has the right to repossess your house and auction it.

The same goes for buying a car.

Although the car bought with the loan can be driven home, the car bought with the loan is equipped with GPS positioning.

That is, wherever your car goes, the bank knows.

Once you don't pay the car loan, they will directly send someone to drive your car away according to the GPS location.

Of course, there are some that are not mandatory to install GPS, but if you don't pay the car loan, they have some means to take your car away, or take other ways to make you pay back.

These loans don't appear to be collateralized, but they are actually collateralized.

A real line of credit, the bank will not lend you at all.

Obviously.

When Chen Yu talks about credit loans, Liu Yonghao is even less optimistic.

"Mr. Chen, I think this business is too risky. Although, this business is indeed good news for consumers. Many people will not be able to afford a computer for a while, and he can pay in installments to increase your sales. However, you are all ordinary people, and ordinary people have no collateral, so they have no credit. What do you do if they don't pay back?"

The reason why banks do not engage in credit loans is that there is too much risk in them.

Where is the credit of ordinary people.

How much is credit worth in their eyes?

I don't know how many people give up their credit for money.

It's not just about borrowing from a bank, it's the same with borrowing between friends.

As a saying circulates in reality, it is the grandson who borrows the money, and the uncle who pays it back.

You didn't serve your uncle well and give you a fart of money.

Banks obviously don't want to keep such a risk to themselves, as it increases the bad debt rate.

At the same time, it has become extremely difficult for them to recover their money.

It's okay to say that the bank can sue you to force you to pay back.

What to do if you have less money?

Chen Yu's credit loan is only a few thousand yuan at most, and some even hundreds of yuan, so he goes to court for thousands of yuan and hundreds of yuan?

And it's not one person or two people, if there is a default in the future, I'm afraid there will be tens of thousands of people and hundreds of thousands of people.

Which bank has the energy to fight a lawsuit against tens of thousands of people?

But Chen Yu didn't think so.

Seeing Liu Yonghao's refusal, Chen Yu said: "That's why we want the two to cooperate, otherwise, you can engage in loan business, and it doesn't matter if you want us Huanyu Technology." ”

"Mr. Chen, credit loans are really very risky, and I suggest not to do it. ”

Seeing that Chen Yu did not listen to persuasion, Liu Yonghao said again.

"Mr. Liu, I know the risks involved, but what if we have the means to control the risks?"

"What means of controlling risk?"

"Mr. Liu, don't forget our payment pass. ”

Chen Yu said with a smile: "Alipay is not only a payment tool, but also a credit system. ”

===

PS: Brothers, add more to it, this chapter is still 3000 words, oh, it's interesting enough.